[manigandham]

That's a very complicated situation. People, especially when young, have incredible freedom and really don't need much at all to survive. As they get older, 95% of the responsibilities they take on is their own doing.

That's not a judgement on what they choose, but many times the "lack of privilege" is really they because they made different choices.

[jhowell]

Or personal health outcomes in themselves or people they care about. As we get older this should not be understated and bears out in personal bankruptcy applications. Good health is the ultimate privilege. Many factors that determine good health are rooted in real privilege (safe streets, clean water, quality diet, free from sexual abuse, etc.)